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Florida CD rates › Credit unions › Tru-Fi

Tru-Fi CD Rates

Credit union · HQ Macclenny, FL

✓ Verified 2026-10-01 from their own posted rate sheet

Tru-Fi currently posts 43 CD rates from 3.40% to 4.25% APY. Their sheet states an effective date of 7/1/2026.

Standard CD rates

TermAPYMinimumDetails
6 mo3.75%—
6 mo3.75%$5k
6 mo3.75%$25k
6 mo3.75%$50k
6 mo3.75%$75k
6 mo3.75%$100k
1 yr3.80%—
1 yr3.80%$5k
1 yr3.80%$25k
1 yr3.80%$50k
1 yr3.80%$75k
1 yr3.80%$100k
18 mo3.50%—
18 mo3.50%$5k
18 mo3.50%$25k
18 mo3.50%$50k
18 mo3.50%$75k
18 mo3.50%$100k
2 yr3.50%—
2 yr3.50%$5k
2 yr3.50%$25k
2 yr3.50%$50k
2 yr3.50%$75k
2 yr3.50%$100k
3 yr3.50%—
3 yr3.50%$5k
3 yr3.50%$25k
3 yr3.50%$50k
3 yr3.50%$75k
3 yr3.50%$100k
4 yr3.50%—
4 yr3.50%$5k
4 yr3.50%$25k
4 yr3.50%$50k
4 yr3.50%$75k
4 yr3.50%$100k
5 yr3.40%—
5 yr3.40%$5k
5 yr3.40%$25k
5 yr3.40%$50k
5 yr3.40%$75k
5 yr3.40%$100k

Promos & specials

TermAPYMinimumThe catch / conditions
2 yr4.25% promo— (cap $10k)Kid's Club 24 month CD Special (up to $10,000) — Kid's Club account

Age-restricted: Teen 12 month CD Special (up to $2,500) 4.33% (1 yr) — not open to general savers.

Who can join

Anyone who lives, works, attends school or church in Baker or Nassau counties (or Duval County ZIPs 32234, 32220, 32221), plus their families, can join Counties: Baker, Nassau, Duval. Family of existing members can generally join too.

Florida branches

3 branches in 3 counties: Baker (Macclenny) · Duval (Baldwin) · Nassau (Callahan)

Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions